Deposit Operations Representative

First Dakota National Bank; Yankton (SD); On-site; USD 36,000 - 56,000; Full time

Job summary

First Dakota National Bank is seeking a Deposit Operations Representative in Yankton to provide accurate, timely deposit and payment processing. You will handle wire transfers, ACH files, and digital banking tasks while maintaining confidentiality and regulatory compliance.

The role requires strong attention to detail, excellent customer service, and the ability to work within bank policies and risk controls. Typical hours are Monday–Friday, 8:00 AM to 5:00 PM.

Qualifications

• Requires strong accuracy and timeliness in processing deposits and payments.
• Knowledge of core banking applications and digital banking services is essential.
• Ability to handle confidential information in a regulated environment.

Responsibilities

• Operate daily deposit and payment processing tasks.
• Process domestic and international wire transfers accurately.
• Manage ACH files and ensure regulatory compliance.
• Support customers and colleagues with digital banking tools.

Skills

Core Banking

Wire transfers

ACH processing

Digital Banking

Regulatory compliance

Customer service

Education

High school diploma

GED

Tools

Core Banking Application

ACH processing platforms

Wire transfer systems

Job description

Deposit Operations Representative - Yankton

First Dakota is looking for a Deposit Operations Representative to join our Yankton team! This person provides exceptional customer service while supporting internal and external customers through accurate, timely and secure deposit and payment operations. Maintain a comprehensive understanding of core banking applications, deposit products, digital banking services, ACH processing, and domestic and international wire transfers. Perform daily operational processing, research and resolve customer issues, protect confidential information, and work within regulatory requirements, Bank policies, and established risk controls. The hours are Monday - Friday 8:00 AM to 5:00 PM.

Duties

• Possess a working knowledge of the Core Banking Application and related deposit, digital banking, ACH, wire transfer, and card processing platforms.
• Prepare, enter, review, and process incoming and outgoing domestic and international wire transfers accurately and timely.
• Provide support and guidance to employees taking wire transfer requests from customers.
• Process incoming and outgoing ACH files and understand regulatory requirements related to ACH, wire transfers, and other deposit and payment services.
• Work within Deposit Operations, Cash Management, and Digital Banking guidelines to reduce risk and ensure compliance.
• Assist with the review, monitoring, and mitigation of operational and payment risks to minimize losses.
• Provide support to internal and external customers using Digital Banking, Bill Pay, e-statements, online applications, Mobile Deposit, and other eBanking products as appropriate.
• Complete daily Deposit Services duties, including Check 21 returns, large item notices, returned statements, Digital Banking and Bill Pay processes, ATM/check card maintenance and balancing, digital account opening funding, holds, unposted items, NSF items, deposit maintenance, and customer service calls.
• Complete item processing duties, including inclearings, RDC/RDA, adjustments, and returns.
• Pull required reports and complete monthly reconciliations.
• Research and resolve customer issues, acting as a liaison between Bank departments when necessary.
• Share responsibility for internal customer call volume and assist with inbound external customer calls as needed.
• Act in accordance with First Dakota Phone Standards and Digital Conversation Standards to provide exceptional customer service with every interaction.
• Adhere to policies and procedures for the appropriate resolution of customer complaints.
• Demonstrate effective decision-making when determining corrections, fee waivers, and refunds using appropriate solutions to meet customer needs.
• Maintain strict customer confidentiality and follow established security protocols.
• Inform management of irregular or recurring issues and suggest process improvements.
• Attend and come prepared to meetings and developmental training as necessary.
• Maintain consistent and punctual attendance.
• Other duties as assigned.

Qualifications

Attributes include a positive attitude and strong work ethic. Must demonstrate excellent time management skills and the ability to manage a strong workload in a fast-paced, high-stakes environment. Ability to process a variety of tasks accurately and efficiently with a high level of technical precision. Must maintain strict confidentiality, comply with all Bank policies and procedures, and exhibit strong attention to detail. A solid understanding of regulatory compliance and risk awareness is essential to ensure safe and accurate processing. Communicates effectively with various types of clientele, co-workers, and departments to resolve a wide range of needs. Strong organizational skills, punctuality, and the ability to work well in a team environment are required.

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements are representative of the knowledge, skills, and/or ability required. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions.

Education/Experience

High school diploma or general education degree (GED);One to three months of customer service, related operations experience, and/or training; OR an equivalent combination of education and experience.

Work Environment

Office: The work environment of this job includes interacting with others in an office setting, and the noise level is usually moderate.

Physical Demands

Medium: The physical demands of this job include bending, sitting, and occasionally lifting up to 25 pounds with or without reasonable accommodation.

Requirements Of All Employees

• Adaptability - Adapts to changes in the work environment
• Attendance/Punctuality - Is consistently at work and on time; Arrives at meetings and appointments on time
• Career Apparel - Adheres to the Career Apparel policy; Demonstrates professional appearance during Bank hours or at after-hours Bank functions
• Customer Service - Responds promptly to customer needs including requests for service and assistance; Provide courteous, personal attention to promote ongoing relationship servicing with customers
• Dependability - Follows instructions, responds to management direction; Takes responsibility for own actions; Keeps commitments; Completes tasks on time or notifies appropriate person with an alternate plan
• Design - Demonstrates attention to detail
• Initiative - Looks for and takes advantage of opportunities; Asks for and offers help when needed
• Innovation - Shares suggestions for improving work
• Interpersonal - Maintains confidentiality; Remains open to others' ideas and tries new things
• Judgment - Exhibits sound and accurate judgment
• Motivation - Measures self against standard of excellence
• Communication - Listens and gets clarification; Responds well to questions; Participates in meetings; Writes clearly and informatively; Able to read and interpret written information
• Organizational Support - Follows policies and procedures; Completes administrative tasks correctly and on time; Supports and upholds organizational goals and values
• Planning/Organizing - Uses time efficiently; Completes work in a timely manner
• Problem Solving - Identifies and resolves problems in a timely manner
• Professionalism - Approaches others in a tactful manner; Reacts well under pressure; Treats others with respect and consideration; Accepts responsibility for own actions; Inspires the trust of others; Works with integrity and ethically
• Quality - Demonstrates accuracy and thoroughness; Looks for ways to improve and promote quality; Applies feedback to improve performance; Monitors own work to ensure quality
• Safety/Security - Observes safety and security procedures; Reports potentially unsafe conditions; Uses equipment and materials properly
• Team Work - Gives and welcomes feedback; Contributes to building a positive team spirit
• Technical Skills – Understands basic computer software programs; Strives to continuously build knowledge and skills; Shares expertise with others

Career Growth

This position has the potential growth to Senior or Manager based on years of experience and proficiency.